Cover the cost of doing business.

Whether you are looking to earn cash back on every purchase or need a lower APR, we have an option for you. 

Business as usual — with rewards.

Earn 2% cash back for your first year with our M&T Business Rewards Credit Card to spend on growing your business.

The M&T Rewards Program ("Program") is subject to the M&T Rewards Program Terms & Conditions ("Program Terms & Conditions"). You can obtain a copy of the Program Terms & Conditions and other information about the Program at rewards.mtb.com. For 365 days from account opening, your new M&T Business Rewards Credit Card will receive two (2) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). After your promotional period has ended or you fail to make at least your minimum payment on time during the promotion period, your M&T Business Rewards Credit Card will receive one and a half (1.5) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). Points are awarded per qualifying transaction and rounded to the nearest whole number. Offers and Rewards points are subject to change and/or discontinuation without notice.

Focus on your business — let your card do the work.

If you're looking for a lower APR, our M&T Business Credit Card may be the right choice.

 
Compare Your Options Business Rewards Credit Card Business Credit Card
APR Variable APR of 12.24% – 19.24% Variable APR of 10.24% – 17.24%
No Annual Fee
Cash Back Unlimited 2% cash back for your first year, and 1.5% cash back thereafter  
Chip Technology for Global Acceptance
Add and Manage Employee Cards
M&T Assurance® Fraud Prevention
Chip Technology for Global Acceptance
Apply Pay®, Google Pay™ or Samsung Pay
Customize Your Card
Digital Wallet
Credit Card Alerts
 
The following agreement and pricing information is in effect for any accounts opened on or after 6/01/2021, and will be in effect for accounts opened prior to 6/01/2021 beginning on 3/31/2022: M&T Bank Visa® Credit Card Agreement (PDF).
The following agreement and pricing information will remain in effect for any accounts opened prior to 6/01/2021 until 3/31/2022: M&T Bank Visa® Credit Card Agreement (PDF).
If you are unsure of your account open date, please call us at 1-866-279-0888.
The following agreement and pricing information is in effect for any accounts opened on or after 6/01/2021, and will be in effect for accounts opened prior to 6/01/2021 beginning on 3/31/2022: M&T Bank Visa® Credit Card Agreement (PDF).
The following agreement and pricing information will remain in effect for any accounts opened prior to 6/01/2021 until 3/31/2022: M&T Bank Visa® Credit Card Agreement (PDF).
If you are unsure of your account open date, please call us at 1-866-279-0888.
The following agreement and pricing information is in effect for any accounts opened on or after 6/01/2021, and will be in effect for accounts opened prior to 6/01/2021 beginning on 3/31/2022: M&T Bank Visa® Credit Card Agreement (PDF).
The following agreement and pricing information will remain in effect for any accounts opened prior to 6/01/2021 until 3/31/2022: M&T Bank Visa® Credit Card Agreement (PDF).
If you are unsure of your account open date, please call us at 1-866-279-0888.
The following agreement and pricing information is in effect for any accounts opened on or after 6/01/2021, and will be in effect for accounts opened prior to 6/01/2021 beginning on 3/31/2022: M&T Bank Visa® Credit Card Agreement (PDF).
The following agreement and pricing information will remain in effect for any accounts opened prior to 6/01/2021 until 3/31/2022: M&T Bank Visa® Credit Card Agreement (PDF).
If you are unsure of your account open date, please call us at 1-866-279-0888.
The M&T Rewards Program ("Program") is subject to the M&T Rewards Program Terms & Conditions ("Program Terms & Conditions"). You can obtain a copy of the Program Terms & Conditions and other information about the Program at rewards.mtb.com. For 365 days from account opening, your new M&T Business Rewards Credit Card will receive two (2) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). After your promotional period has ended or you fail to make at least your minimum payment on time during the promotion period, your M&T Business Rewards Credit Card will receive one and a half (1.5) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). Points are awarded per qualifying transaction and rounded to the nearest whole number. Offers and Rewards points are subject to change and/or discontinuation without notice.
The M&T Rewards Program ("Program") is subject to the M&T Rewards Program Terms & Conditions ("Program Terms & Conditions"). You can obtain a copy of the Program Terms & Conditions and other information about the Program at rewards.mtb.com. For 365 days from account opening, your new M&T Business Rewards Credit Card will receive two (2) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). After your promotional period has ended or you fail to make at least your minimum payment on time during the promotion period, your M&T Business Rewards Credit Card will receive one and a half (1.5) Rewards points for every $1 spent on every Purchase (as defined in the Program Terms & Conditions). Points are awarded per qualifying transaction and rounded to the nearest whole number. Offers and Rewards points are subject to change and/or discontinuation without notice.
Use of the M&T Custom Card design service is subject to program Terms and Conditions and Image Guidelines. The "Identify Yourself" card is not a form of photo identification. There is no guarantee or expectation that merchants will use a photo on your card as an added form of security.
​Use of these features and services requires Internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the Internet. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier’s text messaging and data charges may apply. Fees may apply for optional services provided through M&T Online Banking for Business. View the M&T Digital Services Agreement for additional details.

card customization

Business is personal.

Share a little bit about yourself every time you use your card by customizing it with your own design.

Use of the M&T Custom Card design service is subject to program Terms and Conditions and Image Guidelines. The "Identify Yourself" card is not a form of photo identification. There is no guarantee or expectation that merchants will use a photo on your card as an added form of security.

Credit Cards for Commercial Businesses

We offer credit cards designed for the needs of Commercial Business customers.

Visa® is a registered trademark of Visa International Service Association. All other service marks and trade names referenced in this material are the property of their respective owners.
Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd. Android, Google and Google Pay are trademarks of Google LLC. Apple®, the Apple logo, iPhone®, Apple Pay, Touch ID® and Face ID® are trademarks of Apple Inc., registered in the U.S. and other countries. M&T Bank is not affiliated with, endorsed, sponsored or otherwise authorized by Apple Inc., Google LLC, or Samsung Electronics Co., Ltd.
Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for full details.